This program will survey Social Insurance programs, including Social Security, that are important in the employee benefits marketplace. Social benefits account for nearly one-quarter of the dollars employers spend on employee benefits. For some employees, the social insurance benefits serve as the foundation for the employee's benefits program; for other employees, the social insurance benefits may be their only benefits.

 Learning Objectives:

• Understanding the types of welfare benefit plans that are subject to ERISA and the parties involved
• Understanding ERISA plan documents and specifics addressed in the required documents and how ERISA affects claims procedures
• Understand who ERISA fiduciaries are
• Understanding the roles of the federal and state governments in Medicaid programs
• Understanding the eligibility requirements for Medicaid and the scope of services
• Understanding the relationship between Medicare and Medicaid
• Understanding the process of underwriting and its importance to group insurance rates and how premium rates are calculated and used to determine group insurance premiums
• Understanding the process of using experience rating to calculate premiums
• Understand the reasons why social insurance exists and what are the basic features
• The extent of Social coverage and how programs are financed
• The types of benefits available under Social Security and benefit eligibility
• Social Security federal tax laws apply, and Medicare contributions. 

 CE rules by state

NABIP Course Refund Policy: To be eligible for a course refund, the student must request a refund within one year of the purchase date. In addition, the course must be intact, meaning the student has yet to begin the course. If the student is entitled to a refund, NABIP will refund the purchase price using the original payment method.

 Privacy Policy: Click here to view NABIP's Privacy Policy.

Please verify your state CE approval prior to enrollment by clicking here.
  
 Who should take this course: Licensed Health/Life Agents, Consultants and Brokers
 Study Method: On-line Self Study
 CE Requested in all 50 states:  up to 3 hours
 Reading Material - Textbook 
 Viewing Material: Video
  
 OVERVIEW AND OBJECTIVES
 Ethics both individually and throughout society set the benchmark for behavior that is morally right and good.  Ethics also encompasses the mission, values, and principles of a profession.  A Code of Ethics is used to measure individual and organizational performance against an established benchmark.  
  
 Time to address this important factor in health insurance sales, NABIP has created this course to educate professionals about ethical behavior and the inherent expectations for ethical behavior in their roles in their relationships with their clients and business resources.  This course also includes a discussion of the potential ethical concerns created by the Affordable Care Act and the world of advancing technologies. Additionally, this course will satisfy most state requirements. 
  
 Learning Objectives:
  
 

• The definition of ethics
• The factors that influence ethical behavior
• The three different types of rights and how each is justified and enforced
• The difference between moral obligations and role-specific moral obligations
• The characteristics of a profession 
• The role-specific obligations of managed care organizations, medical care providers, insurance professionals, and insureds as both clients and patients
• The potential ethics concerns created by the Affordable Care Act
• The ethical concerns associated with advancing technologies
• What constitutes a Code of Ethics and why we have them

Please verify your state CE approval prior to enrollment by clicking here.
  
 Who should take this course: Licensed Life/Health Agents, Consultants and Brokers
 CE Requested in all 50 states:  up to 18 hours
 Reading Material - Text book 
 Viewing Material -  Video 
 Study Method: On-line self study
  
 OVERVIEW AND OBJECTIVES
 Employee benefits are a major part of the overall compensation for employees in the marketplace.  The significance of the term “employee benefits” has increased in recent years.  Whether you use a narrow definition of employee benefits or a broad definition of employee benefits, employee benefits are an important “expectation” for employees to receive when working for an employer and for employers to provide to their employees.  
  
 The course covers employee benefits that include Medical Expense coverage, Life Insurance, Retiree Life Insurance, Disability Income, and managed care plans.
  
 To address this important factor in health insurance sales, NABIP has created a course to educate professionals through an introduction to the basic concepts of group benefits and their role in today’s health insurance marketplace.
  
 Learning Objectives
                         
 An understanding of the material in this chapter will enable the student to
  
 

• Identify the categories of benefits that can be included in a broad definition of employee benefits, and explain their significance.
• Understand the benefit structure and planning process.
• Understand the characteristics of Voluntary Benefits and when they come into play.
• Understand how the benefit schedules under group term life insurance plans might be determined.
• Describe the eligibility requirements and other contract provisions usually found in group term life insurance plans.
• Understand the tax implications of group term insurance to both employers and employees.
• Understand group variable life insurance options.
• Describe the characteristics of insured disability income plans and their tax implications of group disability income premiums and benefits for the employer and the employees.
• Obtain working knowledge of the providers of traditional medical expense insurance plans and exclusions. 
• Understand the role of provider networks and utilization management in managed care plans.
• Understand eligibility provisions found in medical expense plans and clearly define the coordination-of-benefits process.
• Identify the relationship between employer-provided medical expense coverage, Medicare and the tax implications of group medical expense premiums.
• Identify the objectives of an effective employee benefit communications program, and describe the methods by which it might be implemented.

 
 CE Rules by state
 
 NABIP Course Refund Policy: To be eligible for a course refund, the student will have to request a refund within one year of the purchase date. In addition, the course must be intact, meaning the student has not begun the course. If the student is entitled to a refund, NABIP will refund the purchase price using the original method of payment.
 
 
 Privacy Policy: Click here to view NABIP's Privacy Policy.

CE Requested in all 50 states:  up to 3 hours

Reading Materials – Workbook

Viewing Materials – Video 

To address this evolving opportunity, NABIP has created a new three-hour Voluntary/Worksite Certification course. Completion of this course will ensure a strong technical knowledge of the rules and regulations pertaining to various types of voluntary/worksite products and proven methods for communicating those options to employers and employees in a compelling way.

CE Rules by state
 
 NABIP Course Refund Policy: To be eligible for a course refund, the student will have to request a refund within one year of the purchase date. In addition, the course must be intact, meaning the student has not begun the course. If the student is entitled to a refund, NABIP will refund the purchase price using the original method of payment.
 
 

 Privacy Policy: Click here to view NABIP's Privacy Policy.

Who should take this course: Licensed Life/Health Agents, Consultants and Brokers

Study Method: On-line self-study

CE Requested in all 50 states: up to 12 hours 

Reading Material - Textbook 

Viewing Material - Video 

OVERVIEW AND OBJECTIVES

Health insurance protects financial security as a person anticipates and moves through life’s various stages.  Adequate health insurance helps to build and maintain financial security by shielding a person from financial setbacks that could compromise that security should ill health or injury occur at any stage in life.  Employer funding of health insurance has declined significantly over the past 30 years which places more responsibility on the individual to provide his or her own financial protection.

Agents and Brokers ensure their clients to have products of value that provide peace of mind and protect against significant losses.  The client becomes the policy owner and the insurer backs the promises in the contract. Underwriting is an essential function in all forms of insurance. It is the process of evaluating an insurance applicant, making decisions about the applicant’s acceptability for insurance coverage, and determining the appropriate basis on which to provide coverage and charge a premium.  

NABIP created this course for professionals to better assist their clients in working towards an immediate goal of becoming protected against insurer insolvency and unfair treatment by insurers.  Health insurance is arguable the most heavily regulated type of insurance; it protects almost irreplaceable personal values that are directly related to health and well-being, earning a living, and the conduct of life’s basic activities. Purchasing individual health insurance is a process that relies on a number of fundamental components such as insurability of health-related expenses, sources for individual health insurance, and the market for individual health insurance.  This course will educate you on the Affordable Care Act, the purchasing process for individual medical expense coverage differences and comparisons from the purchasing process for individual disability and long-term care.

Medical expense policies provide the benefits for health care services purchased on an individual basis.  Historically, principal policies were limited to hospital and physician services related to inpatient care and surgery and had fixed or scheduled benefit limits.  The Affordable Care Act expanded coverage requirements with the inclusion of essential health benefits, eliminated lifetime and annual maximum limits, eliminated health status as underwriting criteria and eliminated pre-existing condition clauses for medical expense plans.  

Learning Objectives: 

• Understanding the three component forms of individual health insurance and how other health insurance programs affect the need for individual health insurance
• How current environmental developments influence the individual health insurance market
• History and review of  health insurance from earlier decades to the present
• Understanding the Affordable Care Act and the changes it brought to individual medical expense policies and the types of state regulations that affect individual health insurance policies
• Understanding  income-tax treatment of health insurance policies
• Obtain full knowledge of all  factors that make a health insurance risk insurable and the unintended consequences that insurers must guard against
• Understanding the state health insurance exchange marketing entity and its components
• The offer and acceptance of a binding contract created in the proposal process with the submission of a properly completed application
• The importance of true and complete information in an insurance application and how a medical expense policy can be retroactively rescinded
• The key and miscellaneous provisions of an insurance contract
• The goal and requirements of the Uniform electronic Transactions Act and its effect on insurance transactions
• The general nature of major medical insurance policies
• The characteristics that make managed care plans effective
• The ways preferred provider organization arrangements and HMOs function
• How to determine which medical expense plan is the best fit

 CE Rules by state
 
 NABIP Course Refund Policy: To be eligible for a course refund, the student will have to request a refund within one year of the purchase date. In addition, the course must be intact, meaning the student has not begun the course. If the student is entitled to a refund, NABIP will refund the purchase price using the original method of payment.
 
 
 Privacy Policy: Click here to view NABIP's Privacy Policy.

Corporate Wellness Certification

CE Requested in all 50 states: up to 3 hours
 Reading Materials – Transcript
 

Viewing Materials – Video 

Did you know that "controllable behaviors" -- overeating, smoking and physical inactivity -- account for nearly 25 percent of all U.S. health care spending? Imagine if your employer clients could reduce these costs from their total benefit spending. To address controllable behaviors, many companies are adopting wellness programs. But are such programs effective, and do they offer a return on investment? 

Employee Benefits professionals are asked questions like these every day. The ability to not only answer the questions but provide timely, effective advice is essential. For this reason, NABIP is sponsoring a new Wellness Certification course that addresses these issues in a comprehensive overview that draws upon dozens of sources. Approved for two hours of continuing education for insurance in 48 states the course addresses:

• Communicating the need for wellness and prevention
• Demonstrating the effectiveness - case studies
• The business case for implementation
• Compliance and legal issues
• Creating incentives for participation
• Measuring return on investment

Please check your state's CE approval status and rules prior to purchasing the course. 

 NABIP Course Refund Policy: To be eligible for a course refund, the student will have to request a refund within one year of the purchase date. In addition, the course must be intact, meaning the student has not begun the course. If the student is entitled to a refund, NABIP will refund the purchase price using the original method of payment.
 
 

 Privacy Policy: Click here to view NABIP's Privacy Policy.

Developed by experts in the market space, this three-hour course instruction will ensure that students understand the key technical components of self-funding and are better prepared to counsel their clients on the various benefits of elimination of most premium tax, lowering cost of administration, claims/administration and customer service for employees. 
  
Historically, employers have turned to the self-funding of their health plans when traditional insurance programs failed to meet their cost expectations. The many thousands of employers in the U.S. who have implemented self-insured medical programs later discovered the other advantages such as coverage flexibility and client-specific benefit plan administration. Self-funding is one of the most effective ways employers can control the rising costs of healthcare coverage. In understanding self-funding as a concept and how it differs from fully insured products, this course instructed by David Smith who will help provide in detail how it all works and proven methods for communicating this option to employers and employees in a compelling way.

CE Credits: The Self-Funded Certification course has been filed for continuing education credits in all 50 states. Please check your state's CE approval status and rules prior to purchasing the course.
 
NABIP Course Refund Policy: In order to be eligible for a course refund, the student will have to request a refund within one year of the purchase date. In addition, the course must be intact, meaning the student has not begun the course. If the student is entitled to a refund, NABIP will refund the purchase price using the original method of payment.
 
If a printed textbook is included in the course purchase and has been mailed to the student, the cost of the textbook is non-refundable. The cost of the textbook will be deducted from the course refund.
 
Privacy Policy: Click here to view NABIP's Privacy Policy.

Advanced Benefits Account Manager Certification
 CE Requested in all 50 states: up to 9 hours
 Reading Materials – Transcript
 Viewing Materials – Video
 
 Account managers employers expect them to serve as the primary relationship owner for an assigned group of top tier client accounts with demonstrating ownership for retention and growth. With the completion of this course account managers will ensure clients derive maximum value from their services, prepare implementation plans and lead client onboarding; present content strategy and play an integral part of their client’s annual plan. Delivery will consist of online lectures paired with written versions of the curriculum that covers, definitions, and includes quiz exercises to ensure comprehension. Continuing education credits have been requested in all states and some may be pending approval. Please check your state for CE approval before enrollment CE Approved States
  
 Program Curriculum Objectives:
 

• Review of the Benefit Account      Manager course 
• Working with carriers
• Working with clients
• ERISA
• COBRA
• Human Resources & Benefits Administration
• Taxation & Benefit Programs
• Cafeteria
• Claims and Cost of Care
• Technology

NABIP Course Refund Policy: To be eligible for a course refund, the student will have to request a refund within one year of the purchase date. In addition, the course must be intact, meaning the student has not begun the course. If the student is entitled to a refund, NABIP will refund the purchase price using the original method of payment.
 
 
 Privacy Policy: Click here to view NABIP's Privacy Policy.

This three-hour Single-Payer Healthcare Certification Course was explicitly requested by NABIP members and we are delighted to have NABIP CEO Janet Trautwein teach it in its entirety. It is exceptionally critical for producers to understand in depth what single-payer means, and what it would mean for their families, clients and our country. 
 
 Single-payer healthcare is such an important topic right now because the United States is one of the few industrialized countries in the world that does not have a system for providing universal healthcare coverage for all of its citizens. The United States spends more on its healthcare system than other countries do. Following the passage of the Affordable Care Act, we still have 28 million uninsured people in our country. 
 
 Members of Congress are talking about whether a single-payer system, such as we see in Canada and other countries, would be the way to achieve universal coverage in the United States. A single-payer system has become a real topic of political contention. Additionally, people who influence the healthcare policy in our country are talking about this on an ongoing basis. 
 
 This course provides in-depth instruction on the importance of the overall functioning of healthcare delivery and financing in our country, important references for supplemental reading and a final exam. 
 
 What students will learn:
 

• Characteristics of single-payer healthcare plans
• Types of healthcare delivery and payment systems
• Pros & cons of multi-payer healthcare systems
• Benefit structure under single-payer systems
• Provider payment methods - fee-for-services
• Prescription drug payments
• Cost containment
• Single-payer healthcare systems around the world
• Why the United States is different
• Why the United States costs are higher
• United States politics in single-payer legislation
• Consequences of public option plans, Medicare buy-in and Medicaid buy-in plans

Upon completion, the student will receive a certificate of completion as single-payer certified. Continuing education credits have been filed in all 50 states. Please check your state’s CE approval status prior to purchasing the course.
 
 NABIP Course Refund Policy: In order to be eligible for a course refund, the student will have to request a refund within one year of the purchase date. In addition, the course must be intact, meaning the student has not begun the course. If the student is entitled to a refund, NABIP will refund the purchase price using the original method of payment.
 
 
 Privacy Policy: Click here to view NABIP's Privacy Policy.

Advanced Self-Funded Certification

CE Requested in all 50 states: up to 5 hours

Reading Materials - Transcript

Viewing Materials – Video

This certification course provides the next level of self-funding training and education for NABIP members to best prepare them to meet their client's challenges and needs. 

Self-funding of group health insurance has increasingly become a very attractive option for many employers. Still, the very complex nature of these plans can lead to many serious mistakes for agents, brokers, and consultants. While the NABIP Self-Funding Certification Course provides basic knowledge about self-funding, this class is specifically directed at the next level – a 200-level course on this very important topic to growing agencies and firms.

This course breaks into four components: 

1. Regulatory Issues that impact group health plans, including ERISA, fiduciary duty, preemption and state stop-loss laws, and Taft-Hartley. 
2. Best Practices for Plan Administration, with an in-depth discussion about issues related to setting up group health plans, finding administrators, plan design, stop-loss and risk financing, dependent eligibility audits, and monitoring claims administration. 
3. Importance of High-Quality Consulting: reviewing the kinds of work that specialists would want to provide to their clients and to be prepared for potential professional liability claims. Topics include preparing your client, mergers & acquisitions, protecting from abuse by vendors performing certain responsibilities for self-funded health plans, claims to monitor, and reporting. 
4. Next Generation in Self-Funding: a discussion of new ideas regarding plan design, operation, and risk transfer that are becoming available in the market. 

Please check your state's CE approval status and rules before purchasing the course.

NABIP Course Refund Policy: To be eligible for a course refund, the student must request a refund within one year of the purchase date. In addition, the course must be intact, meaning the student has yet to begin the course. If the student is entitled to a refund, NABIP will refund the purchase price using the original payment method.

Privacy Policy: Click here to view NABIP's Privacy Policy.

Our workforce is changing in terms of where we work, how we work and the way we work. This means that health plans, particularly employer-sponsored health plans, are often offered with various types of accounts. Some accounts may even be offered on their own to be used in ways that are different than they have been used in the past.
  
 Knowing which account to use for each of your clients is critical and NABIP has created a new course to ensure you remain on the cutting edge of innovative new opportunities.
  
 The Account-Based Health Plans course brings all of this knowledge to one place and allows you to get the information you need through an online course. The course provides five hours of continuing education* and can be used as an elective for the Registered Employee Benefit Consultant (REBC) designation.

• Compares Health Reimbursement Arrangements, Health Savings Accounts, Health Flexible Spending Accounts and other plan designs
• Provides detailed information on the new HRA plans: ICHRA & QSEHRA
• Goes over the business case and kinds of clients best suited for various products
• Provides two frameworks—one for selling Account-Based Plans and another for implementing it, which brokers may share with employers
• Presents comprehensive guidance on eligibility, contributions, plan designs, compliance and all technical elements

*Filed for continuing education in all states. Please check your state’s CE approval status and state CE rules prior to purchasing the course.
 
 NABIP Course Refund Policy: In order to be eligible for a course refund, the student will have to request a refund within one year of the purchase date. In addition, the course must be intact, meaning the student has not begun the course. If the student is entitled to a refund, NABIP will refund the purchase price using the original method of payment.
 
 If a printed textbook is included in the course purchase and has been mailed to the student, the cost of the textbook is non-refundable. The cost of the textbook will be deducted from the course refund.

 
 Privacy Policy: Click here to view NABIP's Privacy Policy.
 
 Acknowledgement of Content Reviewer: Lisa Collins 

• The Evolution of Drug Regulations: A focus on the evolution of drugs, regulations, the industry's power in setting the table for how new drugs enter the market, and how pricing works.
• The Modern Drug Market: How the supply chain is for and against consumers and payers, and the role that insurers and self-funded plans have in the payment of medication.
• The "Secrets" of Prescription Drug Costs: A look inside health care spending and what we expect the near-term future to look like in terms of plan design and payment.

Employee benefits professionals get asked complex questions every day. Employers want increased productivity, reduced absenteeism, higher engagement and lower medical costs. The ability to answer these questions and provide timely, effective advice is essential. For this reason, NABIP released the fourth edition of its Corporate Wellness Certification, which addresses company wellness needs in a comprehensive overview.

After earning this certification, you will be better able to communicate the need for wellness and prevention, demonstrate the effectiveness of wellness with proven case studies, build sound business cases for wellness, and confidently provide guidance on implementation.   

• Communicating the need for wellness and prevention
• Demonstrating the effectiveness - case studies
• The business case for implementation
• Compliance and legal issues
• Creating incentives for participation
• Measuring return on investment

CE Credits: The Corporate Wellness Certification (4th Edition) has been filed for continuing education credits in all 50 states. Please check your state's CE approval status and rules prior to purchasing the course. 

NABIP Course Refund Policy: To be eligible for a course refund, the student will have to request a refund within one year of the purchase date. In addition, the course must be intact, meaning the student has not begun the course. If the student is entitled to a refund, NABIP will refund the purchase price using the original method of payment.

Privacy Policy: Click here to view NABIP's Privacy Policy.

This three-hour course provides benefits and insurance professionals the training to better advise employers to achieve a higher comprehension level of the ICHRA market.

ICHRA is an evolution of the standard HRA. What makes an ICHRA unique is that it can reimburse employees tax-free for individual health insurance premiums. This means employers may choose to forgo offering a traditional group health plan to employees. Instead, employees offered and accepting an ICHRA buy their own individual health insurance plan and receive tax-free premium reimbursement for some or all the cost. This plan type puts employers in the driver’s seat. They design their plan, determine the participants, and establish the limits. 

CE Credits: The ICHRA Certification course has been filed for continuing education credits in all 50 states. Please check your state's CE approval status and rules prior to purchasing the course.
 
NABIP Course Refund Policy: In order to be eligible for a course refund, the student will have to request a refund within one year of the purchase date. In addition, the course must be intact, meaning the student has not begun the course. If the student is entitled to a refund, NABIP will refund the purchase price using the original method of payment.
 
If a printed textbook is included in the course purchase and has been mailed to the student, the cost of the textbook is non-refundable. The cost of the textbook will be deducted from the course refund. 
  
Privacy Policy: Click here to view NABIP's Privacy Policy.

Discounts: Discounts are offered to NABIP Corporate Partners and company groups over 25. Please contact professionaldevelopment@nabip.org for a quote. 

REBC Designation: The NABIP ICHRA Certification is an elective of the Registered Employee Benefits Consultant® designation. Earning the REBC designation elevates your credibility as a professional and prepares you to best serve your clients. By completing the NABIP ICHRA Certification you will be one step closer to obtaining the designation. Click here to access more information about the REBC designation, including the learning objectives and curriculum.